American Express✨ Luxury

American Express Gold Card

Annual fee

$325

Welcome bonus

100,000 Membership Rewards pointsElevated offer

Foreign txn fee

Apply at American Express

(Direct link to issuer does not currently earn a commission on this card.)

The American Express Gold Card is a foodie's rewards engine: 4X Membership Rewards points at restaurants worldwide and at U.S. supermarkets (each up to an annual cap), plus 3X on flights. At $325 a year it leans hard on monthly credits to earn its keep - dining credits, Uber Cash, Dunkin credits, and a twice-yearly Resy credit - so the math works best if those merchants are already in your routine. Points transfer to Amex's airline and hotel partners, which is where the real outsized value lives. No foreign transaction fees. Treat the credits as use-it-or-lose-it: skip them and the fee bites; use them and the card more than pays for itself.

Welcome bonus

What you get for signing up and hitting the minimum spend.

100,000 Membership Rewards points · $8,000 spend in 6mo

See the offer →

🕐 Limited-time offer

100,000 Membership Rewards points after spending $8,000 in the first 6 months.

Welcome offers vary by applicant. Current public high is as much as 100,000 Membership Rewards points after $8,000 in purchases in the first 6 months; many applicants will see a lower targeted offer.

Earn rates

How many points per dollar across categories.

6 categories · top rate 5x

See the multipliers →

Card-level multipliers. Earn currency: American Express Membership Rewards.

Category	Rate	Notes
Hotels	5x	5X on prepaid hotels booked through AmexTravel.com or the Amex Travel App.
Dining	4x	4X Membership Rewards points at restaurants worldwide, including takeout and delivery in the U.S., on up to $50,000 in purchases per calendar year (then 1X).
Groceries	4x	4X at U.S. supermarkets on up to $25,000 in purchases per calendar year (then 1X).
Flights	3x	3X on flights booked directly with airlines or on AmexTravel.com.
Travel	2x	2X on prepaid car rentals booked through AmexTravel.com or the Amex Travel App, and on cruises booked and paid through AmexTravel.com.
All other purchases	1x	1X on all other eligible purchases.

Transfer partners

Where you can move your American Express Membership Rewards to airline + hotel programs.

20 partners

Meet the partners →

Points earned with this card transfer to 20 partner programs via American Express Membership Rewards.

To	Ratio	Notes
Aer Lingus AerClub	1:1	1,000 MR = 1,000 Avios
Aeromexico Rewards	1:1.6	1,000 MR = 1,600 AeroMexico Rewards points
Air Canada Aeroplan	1:1	1,000 MR = 1,000 Aeroplan points
ANA Mileage Club	1:1	1,000 MR = 1,000 ANA Mileage Club miles
Avianca LifeMiles	1:1	1,000 MR = 1,000 LifeMiles
Avios	1:1	1,000 MR = 1,000 Avios (The British Airways Club)
Cathay Pacific Asia Miles	1:0.8	1,000 MR = 800 Asia Miles
Delta SkyMiles	1:1	1,000 MR = 1,000 SkyMiles
Emirates Skywards	1:0.8	1,000 MR = 800 Skywards Miles
Etihad Guest	1:1	1,000 MR = 1,000 Etihad Guest miles
Flying Blue	1:1	1,000 MR = 1,000 Flying Blue miles (Air France-KLM)
Club Iberia Plus	1:1	1,000 MR = 1,000 Avios
JetBlue TrueBlue	250:200	250 MR = 200 TrueBlue points (5:4 ratio)
Qantas Frequent Flyer	1:1	500 MR = 500 Qantas Points
Qatar Privilege Club	1:1	1,000 MR = 1,000 Avios (Qatar Privilege Club)
Singapore KrisFlyer	1:1	1,000 MR = 1,000 KrisFlyer miles
Virgin Atlantic Flying Club	1:1	1,000 MR = 1,000 Virgin Points
Choice Privileges	1:1	1,000 MR = 1,000 Choice Privileges points
Hilton Honors	1:2	1,000 MR = 2,400 Hilton Honors points
Marriott Bonvoy	1:1	1,000 MR = 1,000 Marriott Bonvoy points

Cardholder experiences

Members-only events, dining access, and special experiences bundled with this card.

1 program

Browse the portals →

American Express Experiences

Amex's entertainment portal --- presales, preferred seating on concerts, sports, and Broadway. Available to U.S. Amex cardholders.

🔒 Access this perk through your cardmember account at the issuer's website or app.

Status

Hotel / airline / partner status this card grants.

1 benefit

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Hertz Five Star Status

Complimentary upgrade to Hertz Five Star status (enrollment required); earn 2X on prepaid car rentals via AmexTravel.com.

Travel credits

Annual travel-spend credits and portal incentives.

1 benefit

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The Hotel Collection Credit

$100 credit toward eligible charges on a 2-night minimum stay booked through The Hotel Collection on AmexTravel.com.

Statement credits

Bill credits and recurring perks that offset annual fees.

4 benefits

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$120 Dining Credit

Up to $10 in statement credits each month at Grubhub (incl. Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Up to $120/year. Enrollment required.

$120 Uber Cash

$10 in Uber Cash each month for U.S. Uber rides and Uber Eats orders when the Gold Card is added to your Uber account.

$100 Resy Credit

Up to $50 in statement credits Jan-Jun and up to $50 Jul-Dec at 10,000+ qualifying U.S. Resy restaurants. Enrollment required.

$84 Dunkin Credit

Up to $7 in statement credits each month at U.S. Dunkin locations. Enrollment required.

Travel & rental insurance

Trip protection, rental car coverage, baggage, accident coverage.

4 benefits

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Trip Delay Insurance

Up to $300 per trip in covered expenses when a round trip paid with the Card is delayed more than 12 hours (max 2 claims per 12 months). Secondary coverage.

Baggage Insurance Plan

Coverage for lost, damaged, or stolen baggage on a common-carrier ticket: up to $1,250 carry-on and up to $500 checked, in excess of the carrier's coverage.

Car Rental Loss and Damage Insurance

Secondary coverage for damage or theft of a rental vehicle when you pay with the Card and decline the counter CDW (not available in AU, IT, NZ).

Global Assist Hotline

24/7 emergency medical, legal, and coordination assistance when traveling more than 100 miles from home (you pay third-party service costs).

Purchase & travel protection

Purchase, extended warranty, cell phone, and fraud protections.

2 benefits

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Purchase Protection

Covers eligible purchases against accidental damage, theft, or loss for up to 90 days, up to $10,000 per purchase and $50,000 per year.

Extended Warranty

Adds up to one extra year to eligible original manufacturer warranties of 5 years or less, up to $10,000 per item and $50,000 per year.

Transfer partner perks

Partners this card unlocks for point transfer.

1 benefit

See the details →

Transfer to Travel Partners

Transfer Membership Rewards points to Amex airline and hotel transfer partners - the highest-value way to use them.